Nayak - DCMSMEADEQUACY AND FLOW OF INSTITUTIONAL CREDIT FOR WORKING CAPITAL: 3 1 There has been a continuous increase over the years in the quantum of credit provided to the SSI sector by the commercial banks Outstanding advances of about Rs 350 crores in 1969 grew to nearly Rs 16,000 crores in March 1990 of which working capital finance formed the lion’s share of Rs 12,400 crores1